Retirement funds PostFinance Pension 75

PostFinance Pension 75 (Security number 31,679,313)

The fund invests in money market investments, bonds, equities and commodities around the world, as well as in Swiss real estate. The strategic equity component stands at 75%, with 4% each invested in real estate and commodities respectively. The foreign currency portion stands at around 26%. The fund is passively managed, i.e. it tracks a benchmark index. As a result, investors benefit from low fund costs and a performance that closely reflects that of the benchmark index. The fund is rebalanced back to its original weighting once a month. The only authorised investments are assets from tied retirement savings schemes in Switzerland (retirement savings account 3a).

Funds category: Provident funds

Risk classification:

in CHF: 41 %

Price: CHF 123.36 (21.03.2019)

Funds performance since 01.01.2019:
10.99% (21.03.2019)

Morningstar Rating™
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  • Fund structure by investment instrument in %

    74.94% Equities, 16.30% Bonds, 4.02% Real Estate, 4.00% Commodities , 0.81% Money Market
    1. 74.94% Equities
    2. 16.30% Bonds
    3. 4.02% Real Estate
    4. 4.00% Commodities
    5. 0.81% Money Market

    Performance previous month

    These figures refer to the past. Past performance is not a reliable indicator of future results. The performance shown does not take account of any commissions and costs charged when subscribing to units.

    Zeit Funds Benchmark¹
    [Zeit] YTD (01.01.2019 - 21.03.2019) Funds 10.99 Benchmark¹ n.a
    [Zeit] 2018 Funds -8.09 Benchmark¹ n.a
    [Zeit] 2017 Funds 14.45 Benchmark¹ n.a
    [Zeit] 2016 Funds n.a Benchmark¹ n.a
    [Zeit] Ø since inception Funds 7.43 Benchmark¹ n.a
    [Zeit] Inception date Funds 13.06.2016 Benchmark¹
    Chart
    Winner 2017
    Group Award "Mixed Assets Small Companies"
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  • Fund features

    Fund domicile Switzerland
    [Fund domicile] Fund management Switzerland UBS Fund Management (Switzerland) AG
    [Fund domicile] Fund Management Switzerland UBS Asset Management
    [Fund domicile] Custodian Bank Switzerland UBS Switzerland AG
    [Fund domicile] Currency of account Switzerland CHF
    [Fund domicile] Daily order entry till Switzerland 10:00 Time
    [Fund domicile] Financial year ends Switzerland End of March
    [Fund domicile] Distribution Switzerland No
    [Fund domicile] Last dividend on Switzerland n.a
    [Fund domicile] Swinging Single Pricing Switzerland Yes
    [Fund domicile] Subject to withholding tax Switzerland No
    [Fund domicile] Taxable value in CHF (n.a) Switzerland n.a
    [Fund domicile] Taxable income year (n.a) Switzerland n.a
    [Fund domicile] Annual fees Total Expense Ratio (TER) as of (31.03.2018) Switzerland 0.98%
    [Fund domicile] Benchmark Switzerland PostFinance Pension 75 mixed index
    [Fund domicile] Fund’s assets in mn. CHF Switzerland 241.10
    [Fund domicile] High last 12 months (daily price) from (18.03.2019) Switzerland 123.79
    [Fund domicile] Low 12 months (daily price) from (27.12.2018) Switzerland 109.82

    The 10 largest equity positions

    Nestle 10.26
    Novartis 8.10
    Roche 6.71
    Zurich 1.85
    UBS Group 1.82
    Richemont 1.48
    ABB 1.33
    Swiss RE 1.12
    Credit Suisse 1.11
    LafargeHolcim 0.88

    Key figures

    Modified Duration 1.87
    Average maturity in years n.a
    Sharpe Ratio (3 years)
    Risk-Free Rate (3 years)

    Volatility

    2 years 8.27
    3 years
    5 years
  • Report of the portfolio manager - 4 quarter 2018

    The macroeconomic environment was still positive in the fourth quarter, although momentum slowed significantly towards the end of the year. The big exception is the US, which was able to maintain a high level. The slowdown in growth was accompanied by some geopolitical and monetary policy dissonances. The uncertainty led to low spirits on the stock markets. Global equities in CHF (-8.9%), Swiss equities (-6.7%) and emerging markets equities in CHF (-4.0%) performed negatively. Commodities (-8.18%) and listed Swiss real estate (-0.99%) also posted a negative return in the 4th quarter. Domestic and foreign CHF bonds performed well. CHF-hedged global bonds also contributed. Overall investment performance was negative during the quarter.

    Performance in CHF

    These figures refer to the past. Past performance is not a reliable indicator of future results. The performance shown does not take account of any commissions and costs charged when subscribing to units.

  • Prospectuses, KIID, the management regulations as well as annual and semi-annual reports are available free of charge from the PostFinance Operations Center and any PostFinance branch or from UBS Fund Management (Switzerland) AG, P.O. Box, CH-4002 Basel. All Swiss Post branches, PostFinance branches and PostFinance client services accept subscription and redemption orders. Before investing in a product please read the latest prospectus carefully and thoroughly. None of the funds offered by PostFinance Ltd may be offered, sold or supplied within the USA, or to persons who are US citizens, are resident in the USA, or are required to pay taxes in the USA. PostFinance does not sell funds to persons who are resident outside of Switzerland. In such countries, PostFinance Funds are not offered and are therefore not available. The information mentioned herein is not intended to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Past performance is not a reliable indicator of future results. The performance shown does not take account of any commissions and costs charged when subscribing to units. Commissions and costs have a negative impact on performance. This information pays no regard to the specific or future investment objectives, financial or tax situation or particular needs of any specific recipient. Credit notice for Lipper Fund Award: From Thomson Reuters Lipper Awards, © 2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited.